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Compare 30 Year mortgage Rates

By · Bankrate.com

Riley Arthur/Bankrate

Wells Fargo's rates are staying competitive on mortgages, auto loans and credit cards.

Overall, rates on loans are historically low. Those seeking a loan will find it's a good time to be in the market.

Wells Fargo mortgage rates

The rate on a 30-year fixed-rate loan from Wells Fargo is 3.625%, around a fifth of a basis point higher than the 3.48% daily national average, according to Bankrate's latest rate survey.

At 3.625%, you'd pay somewhere around $456 per month on a 30-year loan. Over the life of the loan, you'd pay somewhere around $64, 178 in interest.

Remember, it pays to comparison shop. Right now mortgage rates are near historic lows, and you can find some great deals.

Auto loan rates at Wells Fargo

The bank offers auto loan options from 12 to 72 months. The lowest rate you can get on a new purchase loan is 3.13%, slightly higher than the 3.05% daily national average rate for a new 60-month auto loan.

Wells Fargo says that 5% of approved applicants qualified for that rate from April through June 2016.

At 3.13%, you'd pay around $180 per month for every $10, 000 borrowed.

Our auto loan calculator can help you estimate monthly payments for a new or used car loan at today's current rates. It's also helpful for figuring out how much interest you'll pay over the life of the loan.

Don't forget to comparison shop. Auto loan rates are near historic lows, making it a great time to be in the market for a new or used vehicle.

Wells Fargo credit card rates

The Wells Fargo Cash Wise Visa comes with a 0% introductory period for the first 15 months. After that, the APR jumps up to between 13.24% and 25.24% based on creditworthiness. The lowest rate available after the introductory period on this card, 13.24%, is more than 2 basis points lower than the 15.33% daily average for cash back cards.

This card from Wells Fargo unlimited 1.5% cash rewards on net purchases daily. The cash rewards don't expire.

If earning cash rewards for daily spending is appealing to you, this type of card might be beneficial.

Investor optimism

According to a new poll from Wells Fargo and Gallup, investor optimism is at a 9-year high.

In fact, 51% of investors are now "very" or "somewhat" optimistic about the 12-month outlook for the markets, according to the poll. That's up from 42% last quarter.

Of course, 43% of investors say they have moved their money to cash or cash equivalent savings over the past year.

“While investors are concerned about market volatility and taking on risk, people actually run the risk of being complacent as they avoid potential stock market risk. Market avoidance may not allow people the chance to grow their money over time, ” said George Rusnak, co-head of global fixed income strategy for Wells Fargo Investment Institute, in a statement.

You will see these rates listed on Bankrate site averages; these calculations are run after the close of the business day. Included there are rates and/or yields we have collected on the previous day for a specific banking product.

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How to get the best refinance rate on my mortgage without having hard inquiries on my credit report - Quora

If you only focus on getting the "lowest rate" you may be charged higher fees. It's like playing chess. If you only look at some pieces on a chess board, your opponent will take your queen or rook while you're not paying attention.

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